Privacy Policy

Updated: July 2024

The Privacy Policy for Haymaker Home Loans describes how and why we might collect, store, use, and/or share (“process”) your information we collect when you or your computer interact with our website(s). By accessing haymakerhomeloans.com or any affiliated sites, you acknowledge and fully understand Haymaker Home Loan’s Privacy Policy and freely consent to the information collection and use practices described herein. By submitting information to Haymaker Home Loans through this website or otherwise, you are inquiring about lending programs and services offered by Haymaker Home Loans and give Haymaker Home Loans permission to contact you via email, fax, telephone, or any other means, even if your phone number is on a “Do Not Call” list.

The content in this Privacy Policy may be subject to change without prior notice. We encourage you to review this Privacy Policy frequently to be informed of how we are protecting your information.

SUMMARY OF KEY POINTS

What personal information do we process? When you visit, use, or navigate our website, we may process personal information depending on how you interact with Haymaker Home Loans and the website, the choices you make, and the products and features you use.

Do we process any sensitive personal information? We do not process sensitive personal information on our website.

How do we process your information? We process your information to provide, improve, and administer our website, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent. We process your information only when we have a valid legal reason to do so.

How do we keep your information safe? We have organizational and technical processes and procedures in place to protect your personal information.

However, no electronic transmission over the internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information.

What are your rights? Depending on where you are located geographically, the applicable privacy law may mean you have certain rights regarding your personal information.

How do you exercise your rights? The easiest way to exercise your rights is by visiting https://haymakerhomeloans.com/contact/ and contacting us by phone or the webform. We will consider and act upon any request in accordance with applicable data protection laws.

WHAT INFORMATION DO WE COLLECT?

We collect personal information that you voluntarily provide to us when you express an interest in obtaining information about us or our services and website, when you participate in activities on the website, or otherwise when you contact us.

Personal Information Provided by You. The personal information that we collect depends on the context of your interactions with us and the website, the choices you make, and the features you use. The personal information we collect may include the following:

names
phone numbers
email addresses
contact preferences
additional information provided by you to provide services

Sensitive Information. We collect sensitive information when you use our secure loan application website or process payments. Unless you are a government agent who must go through security clearance and background checks, a loan application is probably the most detailed information-gathering process that you will encounter as an ordinary citizen. As a mortgage company, we are aware of the concerns you may have during this process. We will protect the sanctity of your trust by using your loan application information only and exclusively for the purpose of obtaining a mortgage.

Payment Data. We may collect sensitive data necessary to process your payments, such as your payment instrument number, and the security code associated with your payment instrument. All payment data is stored by Authorize.net. You may find their privacy notice link(s) here: https://usa.visa.com/legal/privacy-policy.html.

All personal information that you provide to us must be true, complete, and accurate, and you must notify us of any changes to such personal information.

Information automatically collected. Some information — such as your Internet Protocol (IP) address and/or browser and device characteristics — is collected automatically when you visit our website.

We automatically collect certain information when you visit, use, or navigate the website. This information does not reveal your specific identity (like your name or contact information) but may include device and usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about how and when you use our website, and other technical information. This information is primarily needed to maintain the security and operation of our website, and for our internal analytics and reporting purposes.

Like many businesses, we also collect information through cookies and similar technologies. The information we collect includes:

Device Data. We collect device data such as information about your computer, phone, tablet, or other device you use to access the website. Depending on the device used, this device data may include information such as your IP address (or proxy server), device and application identification numbers, location, browser type, hardware model, Internet service provider and/or mobile carrier, operating system, and system configuration information.

Location Data. We collect location data such as information about your device’s location, which can be either precise or imprecise. How much information we collect depends on the type and settings of the device you use to access the website. For example, we may use GPS and other technologies to collect geolocation data that tells us your current location (based on your IP address). You can opt out of allowing us to collect this information either by refusing access to the information or by disabling your Location setting on your device. However, if you choose to opt out, you may not be able to use certain aspects of the website.

DO WE COLLECT INFORMATION FROM MINORS?

Haymaker Home Loans is committed to protecting the privacy of children. We do not knowingly collect personally identifiable information from children under the age of 13. Our website, products, and services are not intended for or directed towards children under 13 years of age. In compliance with the Children’s Online Privacy Protection Act (COPPA), if we become aware that we have inadvertently received personally identifiable information from a child under the age of 13, we will take immediate steps to delete such information from our records.

HOW DO WE PROCESS YOUR INFORMATION?

We process your information to provide, improve, and administer our website, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent.

We process your personal information for a variety of reasons, depending on how you interact with our website, including:

To deliver and facilitate delivery of website to the user. We may process your information to provide you with the requested service.
To respond to user inquiries/offer support to users. We may process your information to respond to your inquiries and solve any potential issues you might have with the requested service.
To request feedback. We may process your information when necessary to request feedback and to contact you about your use of our website.
To send you marketing and promotional communications. We may process the personal information you send to us for our marketing purposes if this is in accordance with your marketing preferences. You can opt out of our marketing emails at any time.
To deliver targeted advertising to you. We may process your information to develop and display personalized content and advertising tailored to your interests, location, and more.
To evaluate and improve our website, products, marketing, and your experience. We may process your information when we believe it is necessary to identify usage trends, determine the effectiveness of our promotional campaigns, and to evaluate and improve our website, products, marketing, and your experience.
To create service profiles. We will occasionally compile statistics and other metrics across our customer base, but none of this information will contain personally sensitive information. For example, we may decide to build a new section on our website exclusively for current renters if our customer profile shows that 75% of our typical users are currently renting. In any case, none of your personal information is associated with these metrics.
To send pre-recorded messages. By submitting web forms and chats on this website you are actively giving consent to receive automated text messages and phone calls that deliver pre-recorded messages regarding status updates, servicing notices, or other marketing on behalf of Haymaker Home Loans, or its partners.
To identify usage trends. We may process information about how you use our website to better understand how they are being used so we can improve them.
To determine the effectiveness of our marketing and promotional campaigns. We may process your information to better understand how to provide marketing and promotional campaigns that are most relevant to you.
To comply with our legal obligations. We may process your information to comply with our legal obligations, respond to legal requests, and exercise, establish, or defend our legal rights.

HOW DO WE SHARE YOUR INFORMATION

The Haymaker Home Loans Privacy Policy details the personal information we collect, the reasons for collecting it, the methods we use to protect it, and the circumstances under which we may share it. Additionally, it provides information on how you can exercise your choices regarding the sharing and use of your personal information.

When and with whom do we share your personally identifiable information?

Your personally identifiable information is not shared unless necessary to conduct a mortgage transaction. Your personally identifiable information will not be shared with third parties or affiliates for marketing or promotional purposes.

DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?

We may use cookies and other tracking technologies to collect and store your information.

We may use cookies and similar tracking technologies (like web beacons and pixels) to access or store information. Specific information about how we use such technologies and how you can refuse certain cookies is set out in our Cookie Notice.

Most web browsers and some mobile operating systems and mobile applications include a Do-Not-Track (“DNT”) feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. At this stage no uniform technology standard for recognizing and implementing DNT signals has been finalized. As such, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this Privacy Policy.

HOW LONG DO WE KEEP YOUR INFORMATION?

We will only keep your personal information for as long as it is necessary for the purposes set out in this Privacy Policy, unless a longer retention period is required or permitted by law (such as tax, accounting, or other legal requirements).

HOW DO WE KEEP YOUR INFORMATION SAFE?

We aim to protect your personal information through a system of organizational and technical security measures. We have implemented appropriate and reasonable technical and organizational security measures designed to protect the security of any personal information we process. However, despite our safeguards and efforts to secure your information, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information. Although we will do our best to protect your personal information, transmission of personal information to and from our website is at your own risk. You should only access the website within a secure environment.